Complete the short car and home insurance survey and you will automatically receive a chance to win $50,000 in cash for the home renovation of your choice1.
Just think about what you could do with $50,000:

RBC INSURANCE “$50,000 Home Reno” CONTEST (the “Contest”)
Full Contest Rules and Regulations

Please read these contest rules ("Contest Rules") in their entirety before entering the Contest. Do not enter the Contest unless you agree to these Contest Rules. Participation in the Contest constitutes unconditional agreement and acceptance to these Contest Rules which are final on all matters relating to the Contest. By entering this Contest you agree to be bound by the decisions of the contest judges which are final and binding in all respects.

CONTEST PERIOD
The RBC Insurance® “$50,000 Home Renovation” Contest is sponsored by RBC General Insurance Company (the “Sponsor”). The Contest commences January 1, 2010 at 9:00:01 a.m. Eastern Time (“ET”) and closes October 31, 2010 at 5:00:00 p.m. ET (the "Contest Period").

ELIGIBILITY
Open to legal residents of Canada who have reached the age of majority in their province/territory of residence on or before the start of the Contest Period. Limit one entry per person. Employees, agents or representatives of the Sponsor, its parent, affiliates, subsidiaries and dealers, advertising and promotional agencies, suppliers of prizes, materials or services related to this Contest, including the independent contest organization (“Contest judges”), as well as immediate family members of, or those domiciled with, any of the foregoing, are not eligible to enter this Contest. "Immediate family" is defined as parents, siblings, children and spouse.

HOW TO ENTER
NO PURCHASE NECESSARY. To enter, visit the Contest Web page at www.rbcinsurance.com/homereno, complete all mandatory questions, click the “Enter Now” button to submit your answers and you will automatically receive one (1) entry into the Contest.
Limit of one (1) survey entry per person/email address during the Contest Period. Entries will be accepted until October 31, 2010 at 5:00:00 p.m. ET. Entrants making additional entries will be disqualified.

GRAND PRIZE
There will be one (1) single Grand Prize available to be won during the Contest Period, consisting of $50,000.00 CAD in the form of a cheque made out to the winner.
Grand Prize must be accepted as awarded. The prize may not be sold or transferred, substituted for or another prize, or exchanged in whole or in part. Sponsor reserves the right to substitute the Prize in whole or in part in the event that all or any component of the Prize is unavailable. Any taxes and incidental charges on the Prize are the sole responsibility of the winner.
The odds of being selected for the Grand Prize depend on the total number of eligible entries received during the Contest Period.

GRAND PRIZE DRAW
The Grand Prize random draw will be held at approximately 1:00 p.m. ET on November 10, 2010 at MacLaren Momentum in Toronto, Ontario, from all eligible entries received by the end of the Contest Period. Before being declared a winner, the selected entrant (eligible according to the official rules) will be contacted by telephone or courier, and must correctly answer a mathematical skill-testing question to be posed by telephone at a mutually convenient time and date. If the selected entrant incorrectly answers the skill-testing question, or cannot be contacted within seven (7) days of being selected, his or her entry will be disqualified and another will be randomly selected until the Prize has been awarded. The winner will be notified by the Sponsor to make arrangements for the awarding of the Prize. Winner will be required to sign a standard Declaration of Compliance, Liability Release form and Publicity Release consenting to the use of his/her name, city or province/territory and/or photograph, without further compensation, in any publicity carried out by the Sponsor and/or its advertising and promotional agencies relative to this Contest.
ADDITIONAL TERMS

All entries become the property of the Sponsor who assumes no responsibility for garbles, inaudible, lost, late, delayed, destroyed or misdirected mail, voice messages, e-mail or any computer errors or malfunctions. Sponsor does not assume any responsibility for incorrect or inaccurate capture of entry information, technical malfunctions, human or technical error, seeding or printing errors, lost, delayed or garbled data or transmissions, omission, interruption, deletion, effect or failures of any telephone or computer line or network, computer equipment, software or any combination thereof. Entry materials/data that have been tampered with or altered are void. In the event of a dispute over email entries, the winner will be deemed to be the holder of the email account.

If for any reason, in the opinion of the Sponsor, in its/their sole discretion, the Contest is not capable of running as originally planned, or if the administration, security, fairness, integrity or the proper conduct of the Contest is corrupted or adversely affected, including but not limited to, by reason of infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures or any other causes, the Sponsor reserves its right, without need of individual notice (subject to the approval of the Régie des alcools, des courses et des jeux (“RACJ”) in Quebec), to cancel, terminate, modify, amend, extend or suspend the Contest in whole or in part, including, without limitation, cancelling any method of entry, and/or selecting a winner from previously received eligible entries. Sponsor reserves the right in its sole discretion to disqualify any individual it finds to be tampering with the entry process or the operation of the Contest or to be acting in violation of the contest Rules or otherwise in a disruptive manner. Any attempts to deliberately damage any website or to undermine the legitimate operation of this Contest is a violation of criminal and civil laws and should such attempt be made the Sponsor reserves its right to seek remedies and damages to the fullest extent of the law. Contest sponsors shall not be held responsible for any errors or negligence that may arise or occur in connection with the Contest including any damage to an entrant's computer equipment, system software or any combination thereof, as a result of their participation in this Contest or from downloading any material from the Contest website, where applicable.

Upon receipt of the completed Release and verification that the Grand Prize winner is eligible and in compliance with the Contest Rules, the Sponsor will notify the Grand Prize winner within thirty (30) days of receipt of the completed Releases the manner in which he/she will have to take possession of the Grand Prize. The Sponsor reserves the right to determine how the presentation of the prize will occur and this may be either a media event, by mail, or in person.

By entering this Contest, the winner authorizes the Sponsor and its representatives to use, in any related publicity, his/her name, photograph, image, or likeness, any statements he/she may make regarding the prize, his/her place of residence (city and province/territory only) and/or his/her voice for advertising purposes worldwide in perpetuity and in any form of media including the Internet, without any form of further compensation.

All entries become the property of the Sponsor and will not be acknowledged or returned to entrants at any time. No communication or correspondence will be exchanged with entrants, except with the selected entrants.

By entering this Contest, selected entrants authorize the Sponsor and its representatives to contact them directly using contact information provided in their Contest entry.

The Contest is void where prohibited or otherwise restricted by law and is subject to all Federal, Provincial and Municipal laws and regulations. Except where prohibited by law, the Contest and these Contest Rules will be exclusively governed by and construed in accordance with the laws of Ontario. Any dispute arising hereunder shall be governed by the laws of Ontario, and except as provided in Rule 13 below, shall be adjudicated in the applicable court in Toronto, Ontario.

For residents of Québec only: Any litigation in regards to the conduct or organization of this publicity Contest may be submitted to the RACJ for a ruling. Any litigation in regards to the awarding of a prize may be submitted to the RACJ only for purposes of helping the parties reach a settlement. For all other participants, any litigation must be initiated in the City of Toronto, in Ontario, Canada.

In the event of any conflict with any Contest details contained in these Contest Rules and Contest details contained in any form of promotional materials or media (“Contest Materials”), the details of the Contest set forth in these Contest Rules shall prevail.

In the event of any discrepancies between the English language Contest Rules and the non-English language Contest Rules, the English Contest Rules shall prevail.

The public may obtain the name of the Contest winner from the Contest web page (i.e. www.rbcinsurance.com/homereno) where winner’s name will be posted from November 22, 2010 until January 31, 2011.
CONSENT TO MARKET TO ENTRANTS

By entering this Contest, each entrant permits the Sponsor, its agents, promotional agencies, representatives, and Contest judges to collect the information submitted with your entry and to use it to administer the Contest. You also permit us to use and share this information with other RBC® companies to promote to you, products and services that may be of interest to you, if indicated by you, unless prohibited by law. If you so indicate, we and RBC companies may communicate with you through various channels, including telephone, computer or mail using the contact information you have provided. You acknowledge that as a result of such sharing other RBC companies may advise us of those products or services provided or offered to you. They will respect your preferences otherwise recorded with us. For additional information please see our privacy policy at www.rbc.com/privacy/index.html.